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香港增额终身寿险
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以“高收益”为卖点销售保险 是否存在“画饼”陷阱
"最近一款被称为'保底王者'的增额终身寿险悄然走红。对比内地险,在收益上,它保底2%,分红 3.1%,总预期收益率能达到5.1%,遥遥领先。"近日,深圳一家保险经纪公司的经纪人向记者推介一款 香港增额终身寿险产品时如此描述。这位经纪人称:"对比内地险,这款产品在功能上堪称'降维打 击':多货币自由选、被保人随便换、保单能拆分、货币可转换。" 保险产品能提供超过5%的预期收益率,听起来颇为诱人,可理想与现实会否有差距?业内人士和专家 告诉记者,高收益往往意味着高风险,一些保险营销中宣传的"高收益"并不可靠。虽然香港分红险有一 定客观收益优势,但市场上一些营销方式存在"过度渲染",很容易误导消费者。高收益演示利率只是预 测值,实际分红受市场波动影响大。 近期,多地保险行业协会或监管部门相继发布提示信息,提醒消费者在购买境外保险产品前,需要了解 关键风险点,谨慎对待以"高收益"为卖点的投资型产品,关注非保证收益部分,并充分考虑保单的长期 性和稳定性。 渲染较高水平"复利" 根据该经纪人提供给记者的一份年交保费10万元、5年期交的演示保单,第一个到第五个保单年度,保 证部分的现金价值分别为1000元、31250元、6 ...
以“高收益”为卖点销售保险是否存在“画饼”陷阱
Core Viewpoint - A new life insurance product known as "Guaranteed King" has gained popularity in Hong Kong, offering a minimum return of 2% and a dividend of 3.1%, leading to a total expected return of 5.1%, significantly higher than mainland products [1] Group 1: Product Features and Comparisons - The Hong Kong insurance product boasts features such as multi-currency options, flexibility in policyholder changes, policy splitting, and currency conversion, which are seen as superior to mainland offerings [1] - A demonstration policy with an annual premium of 100,000 yuan shows that the cash value increases significantly over the first five years, with total cash values reaching 244,168 yuan by the fifth year [1] Group 2: Risks and Market Insights - High returns often come with high risks, and the actual dividends are subject to market fluctuations, making the advertised high returns potentially misleading [2][3] - The internal rate of return (IRR) of 5.1% is only achievable in the 98th policy year, with the IRR at the 20th year being only 4.50% [2] - The insurance market in Hong Kong is influenced by high commission rates for agents, which can lead to exaggerated claims about product benefits [3] Group 3: Consumer Guidance and Regulatory Warnings - Consumers are advised to understand their reasons for purchasing Hong Kong insurance, whether for protection or asset allocation, and to be aware of the associated risks such as currency fluctuations and legal protections [3][4] - Regulatory bodies have issued warnings about the risks of purchasing overseas insurance products, emphasizing the lack of legal protection and potential difficulties in claims and dispute resolution [5][6][7] - The Jiangsu Insurance Industry Association has highlighted the importance of understanding the long-term nature and stability of policies, urging consumers to be cautious of products marketed with high returns [6][7]